/* ============================================================
   LOAN MART — style.css
   ============================================================ */

/* ── CSS VARIABLES ── */
:root {
  --gold: #003087;
  --gold-light: #265b91;
  --gold-pale: #d1d9e0;
  --dark: #ffffff;
  --dark-2: #f2f2ed;
  --dark-3: #d1d9e0;
  --dark-4: #9aa6b6;
  --white: #091f48;
  --white-dim: rgba(9, 31, 72, 0.72);
  --white-faint: rgba(63, 129, 154, 0.12);
  --accent: #3f819a;
}

/* ── RESET ── */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 96px;
}

body {
  font-family: 'Exo 2', sans-serif;
  background:
    radial-gradient(circle at top left, rgba(0, 48, 135, 0.08), transparent 34%),
    radial-gradient(circle at top right, rgba(63, 129, 154, 0.08), transparent 28%),
    linear-gradient(180deg, #ffffff 0%, #f2f2ed 100%);
  color: var(--white);
  overflow-x: hidden;
  cursor: auto;
}

/* ── SCROLLBAR ── */
::-webkit-scrollbar { width: 4px; }
::-webkit-scrollbar-track { background: var(--dark); }
::-webkit-scrollbar-thumb { background: var(--accent); border-radius: 2px; }

/* ── NOISE OVERLAY (DISABLED FOR PERFORMANCE) ── */
body::before {
  display: none;
}

/* ── CUSTOM CURSOR (OPTIMIZED) ── */
#cursor {
  display: none;
}

#cursor-ring {
  display: none;
}

/* ── NAVIGATION ── */
nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 1rem 6vw;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: none;
  border-bottom: 1px solid rgba(0, 48, 135, 0.08);
  box-shadow: 0 2px 8px rgba(9, 31, 72, 0.04);
  transition: background 0.2s, box-shadow 0.2s, border-color 0.2s;
}

nav::after {
  content: '';
  position: absolute;
  left: 6vw;
  right: 6vw;
  bottom: -1px;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(0, 48, 135, 0.3), rgba(63, 129, 154, 0.28), transparent);
  opacity: 0;
  transform: scaleX(0.7);
  transform-origin: center;
  transition: opacity 0.45s ease, transform 0.45s ease;
}

nav.scrolled {
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: none;
  border-bottom: 1px solid rgba(0, 48, 135, 0.12);
  box-shadow: 0 4px 12px rgba(9, 31, 72, 0.06);
}

nav.scrolled::after {
  opacity: 1;
  transform: scaleX(1);
}

.logo {
  display: flex;
  align-items: center;
}

.logo img {
  display: block;
  height: 44px;
  width: auto;
  object-fit: contain;
}

.nav-links {
  display: flex;
  gap: 2.4rem;
  list-style: none;
  align-items: center;
}

.nav-links li {
  position: relative;
}

.nav-links a {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  color: rgba(9, 31, 72, 0.78);
  font-size: 0.88rem;
  font-weight: 600;
  text-decoration: none;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: color 0.3s;
  position: relative;
  cursor: pointer;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width 0.3s;
  border-radius: 999px;
}

.nav-links a:hover { color: var(--gold); }
.nav-links a:hover::after { width: 100%; }

.nav-dropdown > a i {
  font-size: 0.8rem;
  transition: transform 0.25s ease;
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 1rem);
  left: 0;
  min-width: 220px;
  padding: 0.7rem 0;
  list-style: none;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid rgba(0, 48, 135, 0.12);
  box-shadow: 0 20px 40px rgba(9, 31, 72, 0.14);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.25s ease, transform 0.25s ease, visibility 0.25s ease;
}

.dropdown-menu li {
  width: 100%;
}

.dropdown-menu a {
  display: block;
  width: 100%;
  padding: 0.75rem 1.1rem;
  letter-spacing: 0.02em;
  text-transform: none;
  cursor: pointer;
}

.dropdown-menu a::after {
  display: none;
}

.dropdown-menu a:hover,
.dropdown-menu a:focus-visible {
  color: var(--gold);
  background: rgba(0, 48, 135, 0.08);
}

.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown:hover > a i,
.nav-dropdown:focus-within > a i,
.nav-dropdown.active > a i {
  transform: rotate(180deg);
}

.hamburger {
  display: none;
}

.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-weight: 700;
  color: var(--white);
  text-decoration: none;
  font-size: 1rem;
  letter-spacing: 0.02em;
  transition: color 0.3s, transform 0.2s;
}

.nav-phone i {
  color: var(--gold);
  font-size: 1.1rem;
  background: rgba(0, 48, 135, 0.1);
  width: 32px;
  height: 32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  transition: background 0.3s, color 0.3s;
}

.nav-phone:hover {
  color: var(--gold);
  transform: translateY(-1px);
}

.nav-phone:hover i {
  background: var(--gold);
  color: var(--dark);
}

.btn-primary::before,
.hero-form-btn::before,
.btn-ghost::before {
  content: '';
  position: absolute;
  inset: -120% auto auto -40%;
  width: 45%;
  height: 300%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.55), transparent);
  transform: rotate(22deg) translateX(-220%);
  transition: transform 0.7s ease;
  pointer-events: none;
}

.btn-primary:hover::before,
.hero-form-btn:hover::before,
.btn-ghost:hover::before {
  transform: rotate(22deg) translateX(520%);
}

/* ── HERO ── */
#hero {
  min-height: clamp(560px, 35vw, 725px);
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  padding: 6.2rem 5.5vw 3.5rem;
  position: relative;
  overflow: hidden;
  gap: 2rem;
  background: #f7fbff;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 50%, rgba(0, 48, 135, 0.14) 0%, transparent 70%),
    radial-gradient(ellipse 50% 80% at 20% 80%, rgba(63, 129, 154, 0.1) 0%, transparent 60%),
    linear-gradient(180deg, var(--dark) 0%, var(--dark-2) 100%);
}

.home-page .hero-bg {
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.88) 0%, rgba(255, 255, 255, 0.5) 34%, rgba(255, 255, 255, 0.08) 58%, rgba(255, 255, 255, 0.1) 100%),
    url('Banners/B1.png') 62% center / cover no-repeat;
}

.hero-grid {
  display: none;
}

@keyframes gridDrift {
  0%   { background-position: 0 0; }
  100% { background-position: 60px 60px; }
}

/* Floating orbs */
.orb {
  display: none;
}

.orb-1 {
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(0, 48, 135, 0.16), transparent);
  top: 10%;
  right: 10%;
  animation: none;
}

.orb-2 {
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(63, 129, 154, 0.14), transparent);
  bottom: 20%;
  right: 30%;
  animation: none;
}

@keyframes orbFloat {
  0%, 100% { transform: translateY(0) scale(1); }
  50%       { transform: translateY(-30px) scale(1.05); }
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 620px;
  transform-style: preserve-3d;
  transition: transform 0.45s cubic-bezier(0.16, 1, 0.3, 1);
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(0, 48, 135, 0.08);
  border: 1px solid rgba(0, 48, 135, 0.22);
  padding: 0.45rem 1.05rem;
  border-radius: 100px;
  font-family: 'Exo 2', sans-serif;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.65rem;
  opacity: 0;
  animation: fadeUp 0.8s 0.2s forwards;
}

.hero-badge .dot {
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: none;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.4; transform: scale(0.7); }
}

h1 {
  font-family: 'Exo 2', sans-serif;
  font-size: clamp(3rem, 4.3vw, 5rem);
  font-weight: 800;
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin-bottom: 0.85rem;
  opacity: 0;
  animation: fadeUp 0.9s 0.4s forwards;
  text-wrap: balance;
}

h1 .gold {
  color: var(--gold);
}

.home-page h1 {
  font-size: clamp(2.5rem, 5vw, 4rem);
}

h1 .outline {
  -webkit-text-stroke: 1px rgba(0, 48, 135, 0.28);
  color: transparent;
  letter-spacing: 0;
}

.home-page .hero-copy {
  display: grid;
  gap: 1rem;
  margin-top: 1.4rem;
}

.home-page .hero-copy h2 {
  font-size: clamp(1.7rem, 2.8vw, 2.5rem);
  line-height: 1.12;
  color: var(--white);
}

.hero-sub,
.hero-subtitle {
  font-family: inherit;
  font-size: clamp(1.5rem, 2vw, 2.35rem);
  font-weight: 500;
  line-height: 1.28;
  letter-spacing: 0;
  color: inherit;
  display: block;
  margin: 0;
  max-width: 600px;
  opacity: 0;
  animation: fadeUp 0.9s 0.6s forwards;
}

.loanmart-highlight {
  background: linear-gradient(135deg, var(--gold), var(--accent));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero-btns {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 0.9s 1s forwards;
}

.hero-features {
  display: grid;
  grid-template-columns: repeat(4, minmax(82px, 1fr));
  gap: 1.35rem;
  max-width: 610px;
  margin: 2rem 0 1.7rem;
  opacity: 0;
  animation: fadeUp 0.9s 0.8s forwards;
}

.hero-feature {
  position: relative;
  text-align: center;
  color: var(--white);
}

.hero-feature:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 20%;
  right: -0.7rem;
  width: 1px;
  height: 42%;
  background: rgba(0, 48, 135, 0.12);
}

.hero-feature span {
  width: 54px;
  height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.55rem;
  border-radius: 50%;
  background: rgba(0, 48, 135, 0.11);
  color: var(--gold);
  font-size: 1.45rem;
}

.hero-feature p {
  font-size: 0.78rem;
  font-weight: 600;
  line-height: 1.25;
}

/* Stats panel — right column */
.hero-lead-card {
  position: relative;
  z-index: 1;
  align-self: start;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(0, 48, 135, 0.16);
  border-radius: 20px;
  padding: 1.45rem 1.55rem;
  width: min(410px, 66%);
  margin: 0 0 0 auto;
  box-shadow: none;
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
  opacity: 0;
  animation: fadeUp 0.9s 1.1s forwards;
  overflow: hidden;
  transform-style: preserve-3d;
  transition: transform 0.45s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.45s ease, border-color 0.35s ease;
}

.hero-lead-card::before {
  display: none;
}

.hero-lead-card::after {
  display: none;
}

.hero-lead-card:hover {
  box-shadow: none;
}

.hero-form-tag {
  display: inline-flex;
  align-items: center;
  padding: 0.3rem 0.7rem;
  border-radius: 999px;
  background: rgba(63, 129, 154, 0.1);
  color: var(--accent);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}

.hero-lead-card h3 {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1.05;
  margin-bottom: 0.4rem;
}

.hero-lead-card p {
  color: var(--white-dim);
  font-size: 0.84rem;
  line-height: 1.5;
  margin-bottom: 0.85rem;
}

.hero-lead-form {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.hero-lead-form input,
.hero-lead-form select {
  width: 100%;
  border: 1px solid rgba(0, 48, 135, 0.18);
  background: transparent;
  color: var(--white);
  padding: 0.72rem 0.9rem;
  border-radius: 10px;
  font-family: 'Exo 2', sans-serif;
  font-size: 0.87rem;
  outline: none;
  transition: border-color 0.25s, box-shadow 0.25s, background 0.25s;
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
}

.hero-lead-form input::placeholder {
  color: rgba(9, 31, 72, 0.52);
}

.hero-lead-form input:focus,
.hero-lead-form select:focus {
  border-color: rgba(0, 48, 135, 0.28);
  box-shadow: 0 0 0 4px rgba(0, 48, 135, 0.08);
  background: transparent;
}

.hero-form-btn {
  grid-column: 1 / -1;
  position: relative;
  overflow: hidden;
  border: none;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--gold), var(--accent));
  color: var(--dark);
  padding: 0.8rem 1rem;
  font-family: 'Exo 2', sans-serif;
  font-size: 0.87rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  box-shadow: 0 10px 22px rgba(0, 48, 135, 0.18);
  transition: transform 0.25s, box-shadow 0.25s, background 0.25s;
}

.hero-form-btn:hover {
  transform: translateY(-2px);
  background: linear-gradient(135deg, var(--gold-light), var(--accent));
  box-shadow: 0 18px 32px rgba(0, 48, 135, 0.22);
}

.hero-form-note {
  margin-top: 0.6rem;
  font-size: 0.75rem;
  line-height: 1.5;
  color: var(--white-dim);
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}

#hero-metrics {
  padding: 0 6vw 2.5rem;
  margin-top: 2.5rem;
  position: relative;
  z-index: 2;
  background: transparent;
}

.hero-metrics-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.metric-card {
  position: relative;
  overflow: hidden;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.88), rgba(242, 242, 237, 0.95));
  border: 1px solid rgba(0, 48, 135, 0.14);
  border-radius: 22px;
  padding: 1.6rem 1.5rem;
  box-shadow: 0 18px 40px rgba(9, 31, 72, 0.08);
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
}

.metric-card::before,
.service-card::after,
.who-card::before,
.support-feat::before,
.trust-badge::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent 15%, rgba(255, 255, 255, 0.5) 50%, transparent 85%);
  transform: translateX(-130%);
  transition: transform 0.8s ease;
  pointer-events: none;
}

.metric-card:hover {
  transform: translateY(-4px);
  border-color: rgba(0, 48, 135, 0.24);
  box-shadow: 0 22px 46px rgba(9, 31, 72, 0.12);
}

.metric-card:hover::before,
.service-card:hover::after,
.who-card:hover::before,
.support-feat:hover::before,
.trust-badge:hover::before {
  transform: translateX(130%);
}

.metric-value {
  font-family: 'Exo 2', sans-serif;
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.metric-label {
  font-size: 0.8rem;
  color: var(--white-dim);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* ── SECTION BASE ── */
section { padding: 7rem 6vw; }

.section-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
  position: relative;
  padding-left: 1.4rem;
}

.section-tag::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 16px;
  height: 1px;
  background: var(--gold);
}

h2 {
  font-family: 'Exo 2', sans-serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
}

h2 .gold { color: var(--gold); }

/* ── BUTTONS ── */
.btn-primary {
  position: relative;
  overflow: hidden;
  background: var(--gold);
  color: var(--dark);
  padding: 0.9rem 2.2rem;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  text-align: center;
  transition: background 0.3s, transform 0.2s, box-shadow 0.3s;
  box-shadow: 0 4px 24px rgba(0, 48, 135, 0.3);
}

.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(0, 48, 135, 0.45);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  padding: 0.9rem 2.2rem;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border: 1px solid rgba(0, 48, 135, 0.2);
  border-radius: 4px;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  text-align: center;
  transition: border-color 0.3s, color 0.3s, transform 0.2s;
}

.btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}

.btn-ghost {
  position: relative;
  overflow: hidden;
  background: transparent;
  color: var(--gold);
  padding: 0.9rem 2.2rem;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border: 1px solid var(--gold);
  border-radius: 4px;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  text-align: center;
  transition: background 0.3s, color 0.3s, transform 0.2s;
}

.btn-ghost:hover {
  background: rgba(0, 48, 135, 0.1);
  transform: translateY(-2px);
}

/* ── SERVICES ── */
#services {
  background: var(--dark-2);
  position: relative;
  overflow: hidden;
  scroll-margin-top: 96px;
  padding-top: 5.5rem;
}

#services::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(0, 48, 135, 0.08), transparent 70%);
  pointer-events: none;
}

.services-header {
  margin-bottom: 4rem;
  text-align: center;
  width: 100%;
}

.services-header h2 {
  font-size: clamp(2rem, 4vw, 3rem);
}

.services-header p {
  color: var(--white-dim);
  line-height: 1.7;
  margin-top: 0.8rem;
  max-width: 580px;
  margin-left: auto;
  margin-right: auto;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  width: 100%;
}

.service-card {
  background: var(--dark-2);
  border: 1px solid rgba(0, 48, 135, 0.12);
  padding: 2.5rem 2rem;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: background 0.4s, transform 0.35s, box-shadow 0.35s, border-color 0.35s;
  cursor: pointer;
  transform-style: preserve-3d;
}

.service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(0, 48, 135, 0.08) 0%, rgba(63, 129, 154, 0.04) 100%);
  opacity: 0;
  transition: opacity 0.4s;
}

.service-card:hover {
  background: var(--dark-3);
  border-color: rgba(0, 48, 135, 0.25);
  transform: translateY(-10px);
  box-shadow: 0 24px 48px rgba(0, 0, 0, 0.26);
}
.service-card:hover::before { opacity: 1; }

.service-icon {
  width: 64px;
  height: 64px;
  background:
    linear-gradient(145deg, rgba(0, 48, 135, 0.18), rgba(63, 129, 154, 0.08)),
    rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(0, 48, 135, 0.18);
  border-radius: 18px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.35rem;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.08),
    0 12px 24px rgba(0, 0, 0, 0.18);
  color: var(--gold-light);
  font-size: 1.55rem;
  transition: transform 0.3s, border-color 0.3s, background 0.3s, color 0.3s;
}

.service-card:hover .service-icon {
  transform: translateY(-4px) rotate(-4deg);
  border-color: rgba(0, 48, 135, 0.38);
  background:
    linear-gradient(145deg, rgba(0, 48, 135, 0.24), rgba(63, 129, 154, 0.12)),
    rgba(255, 255, 255, 0.03);
  color: var(--accent);
}

.service-card h3 {
  font-family: 'Exo 2', sans-serif;
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 0.6rem;
  color: var(--white);
}

.service-card p {
  font-size: 0.9rem;
  color: var(--white-dim);
  line-height: 1.65;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--gold);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  text-decoration: none;
  margin-top: auto;
  padding-top: 1.2rem;
  transition: gap 0.3s;
}

.service-link:hover { gap: 0.8rem; }

/* ── WHY CHOOSE ── */
#why {
  background: var(--dark);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6rem;
  align-items: center;
}

.why-visual {
  position: relative;
  display: flex;
  flex-direction: column;
}

.why-card-main {
  position: relative;
  flex: 1;
  background: var(--dark-3);
  border: 1px solid rgba(0, 48, 135, 0.12);
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  box-shadow: 0 30px 70px rgba(9, 31, 72, 0.09);
}

.why-card-main::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(0, 48, 135, 0.08), rgba(63, 129, 154, 0.03) 60%);
}

.why-big-text {
  font-family: 'Exo 2', sans-serif;
  font-size: 7rem;
  font-weight: 900;
  color: rgba(63, 129, 154, 0.08);
  line-height: 1;
  text-align: center;
  position: absolute;
  user-select: none;
}

.why-badges {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  width: 100%;
  padding: 2rem;
}

.why-badge-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(0, 48, 135, 0.12);
  padding: 1rem 1.4rem;
  border-radius: 10px;
  transition: border-color 0.3s, background 0.3s, transform 0.3s, box-shadow 0.3s;
}

.why-badge-item:hover {
  border-color: rgba(0, 48, 135, 0.24);
  background: rgba(255, 255, 255, 0.95);
  transform: translateX(8px);
  box-shadow: 0 14px 30px rgba(9, 31, 72, 0.08);
}

.why-badge-icon {
  width: 36px;
  height: 36px;
  background: rgba(0, 48, 135, 0.12);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.why-badge-text {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--white-dim);
}

.why-badge-text strong {
  display: block;
  font-weight: 600;
  color: var(--white);
  font-size: 0.95rem;
}

.why-content .section-tag { margin-bottom: 0.5rem; }
.why-content h2           { margin-bottom: 1.2rem; }
.why-content p            { color: var(--white-dim); line-height: 1.75; margin-bottom: 1.5rem; }

/* ── PROCESS ── */
#process { background: var(--dark-2); }

.process-header {
  text-align: center;
  margin-bottom: 5rem;
}

.process-header p {
  color: var(--white-dim);
  max-width: 480px;
  margin: 0.8rem auto 0;
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 2.5rem;
  left: calc(16.66% + 1.5rem);
  right: calc(16.66% + 1.5rem);
  height: 1px;
  background: linear-gradient(90deg, var(--gold), rgba(63, 129, 154, 0.2), var(--gold));
  z-index: 0;
}

.process-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 2rem;
  position: relative;
  z-index: 1;
  transition: transform 0.35s ease;
}

.step-num {
  font-family: 'Exo 2', sans-serif;
  width: 56px;
  height: 56px;
  border: 2px solid var(--gold);
  background: var(--dark-2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Exo 2', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 1.6rem;
  position: relative;
  transition: background 0.3s, transform 0.3s;
}

.step-num::after {
  content: '';
  position: absolute;
  inset: -6px;
  border-radius: 50%;
  border: 1px solid rgba(63, 129, 154, 0.2);
  animation: none;
}

@keyframes stepRing {
  0%, 100% { transform: scale(1); opacity: 0.5; }
  50%       { transform: scale(1.15); opacity: 0; }
}

.process-step:nth-child(2) .step-num::after { animation-delay: -1s; }
.process-step:nth-child(3) .step-num::after { animation-delay: -2s; }

.process-step:hover .step-num {
  background: var(--gold);
  color: var(--dark);
  transform: scale(1.1);
}

.process-step:hover {
  transform: translateY(-8px);
}

.process-step h3 {
  font-family: 'Exo 2', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 0.7rem;
}

.process-step p {
  font-size: 0.88rem;
  color: var(--white-dim);
  line-height: 1.65;
}

/* ── SUPPORT STRIP ── */
#support {
  background: var(--dark-3);
  border-top: 1px solid rgba(0, 48, 135, 0.1);
  border-bottom: 1px solid rgba(0, 48, 135, 0.1);
  padding: 5rem 6vw;
}

.support-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.support-content h2 { margin-bottom: 1.2rem; }
.support-content p  { color: var(--white-dim); line-height: 1.75; }

.support-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.support-feat {
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  padding: 1rem;
  background: var(--dark-2);
  border-radius: 10px;
  border: 1px solid rgba(0, 48, 135, 0.1);
  transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s;
}

.support-feat:hover {
  border-color: rgba(0, 48, 135, 0.26);
  transform: translateY(-4px);
  box-shadow: 0 16px 30px rgba(9, 31, 72, 0.08);
}

.feat-check {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(63, 129, 154, 0.15);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 0.7rem;
  font-weight: 700;
  margin-top: 1px;
}

.support-feat span {
  font-size: 0.86rem;
  color: var(--white-dim);
  line-height: 1.5;
}

/* ── WHO CAN APPLY ── */
#who { background: var(--dark); }

.who-section-tag    { text-align: center; margin-bottom: 0.5rem; }
.who-section-heading { text-align: center; margin-bottom: 0.5rem; }

.who-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}

.who-card {
  background: var(--dark-3);
  border: 1px solid rgba(0, 48, 135, 0.12);
  border-radius: 16px;
  padding: 2.2rem 1.8rem;
  text-align: center;
  position: relative;
  overflow: hidden;
  transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s;
  cursor: pointer;
  transform-style: preserve-3d;
}

.who-card:hover {
  border-color: var(--gold);
  transform: translateY(-10px);
  box-shadow: 0 20px 50px rgba(9, 31, 72, 0.1);
}

.who-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 1.2rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 18px;
  background:
    linear-gradient(145deg, rgba(0, 48, 135, 0.18), rgba(63, 129, 154, 0.08)),
    rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(0, 48, 135, 0.18);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.08),
    0 12px 24px rgba(0, 0, 0, 0.18);
  color: var(--gold-light);
  font-size: 1.5rem;
  transition: transform 0.3s, border-color 0.3s, background 0.3s, color 0.3s;
}

.who-card:hover .who-icon {
  transform: translateY(-4px) scale(1.07) rotate(-4deg);
  border-color: rgba(0, 48, 135, 0.38);
  background:
    linear-gradient(145deg, rgba(0, 48, 135, 0.24), rgba(63, 129, 154, 0.12)),
    rgba(255, 255, 255, 0.03);
  color: var(--accent);
}

.who-card h3 {
  font-family: 'Exo 2', sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.who-card p {
  font-size: 0.84rem;
  color: var(--white-dim);
}

/* ── TRUST ── */
#trust {
  background: var(--dark);
  text-align: center;
  padding: 7rem 6vw;
}

.trust-content { max-width: 680px; margin: 0 auto; }
.trust-content h2 { margin-bottom: 1.2rem; }
.trust-content p  { color: var(--white-dim); line-height: 1.75; margin-bottom: 2rem; font-size: 1.05rem; }

.trust-tag { display: inline-block; }

.trust-logos {
  display: flex;
  gap: 2.5rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 3.5rem;
  padding-top: 3rem;
  border-top: 1px solid rgba(0, 48, 135, 0.1);
}

.trust-badge {
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  opacity: 0.7;
  transition: opacity 0.3s, transform 0.3s;
}

.trust-badge:hover {
  opacity: 1;
  transform: translateY(-6px);
}

.trust-badge-icon {
  width: 48px;
  height: 48px;
  background: rgba(63, 129, 154, 0.1);
  border: 1px solid rgba(63, 129, 154, 0.2);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
}

.trust-badge span {
  font-size: 0.72rem;
  color: var(--white-dim);
  letter-spacing: 0.05em;
}

/* ── CTA ── */
#cta {
  background: linear-gradient(135deg, var(--dark-2), var(--dark-3));
  border-top: 1px solid rgba(0, 48, 135, 0.12);
  padding: 8rem 6vw;
  text-align: center;
  position: relative;
  overflow: hidden;
}

#cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(63, 129, 154, 0.06), transparent 70%);
  pointer-events: none;
  animation: none;
}

#cta::after {
  content: '';
  position: absolute;
  inset: -20%;
  background:
    radial-gradient(circle at 20% 30%, rgba(0, 48, 135, 0.08), transparent 28%),
    radial-gradient(circle at 80% 70%, rgba(63, 129, 154, 0.08), transparent 30%);
  filter: none;
  animation: none;
  pointer-events: none;
}

@keyframes ctaGlow {
  0%, 100% { opacity: 0.7; }
  50% { opacity: 0.9; }
}

@keyframes floatAura {
  from { transform: translate(0, 0); }
  to { transform: translate(0, 0); }
}

#cta h2 { font-size: clamp(2.2rem, 5vw, 3.5rem); margin-bottom: 1.2rem; }
#cta p  { color: var(--white-dim); max-width: 500px; margin: 0 auto 2.5rem; line-height: 1.7; font-size: 1.05rem; }

.cta-btns {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* ── FOOTER ── */
footer {
  background: var(--dark-2);
  border-top: 1px solid rgba(0, 48, 135, 0.12);
  padding: 4rem 6vw;
  color: var(--white-dim);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(220px, 1.4fr) repeat(2, minmax(180px, 1fr));
  gap: 2rem 3rem;
  align-items: flex-start;
}

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.footer-logo {
  display: flex;
  align-items: center;
}

.footer-logo img {
  display: block;
  height: 42px;
  width: auto;
  object-fit: contain;
}

.footer-brand p,
.footer-contact p,
.footer-bottom p,
.footer-links a {
  color: var(--white-dim);
}

.footer-links h4,
.footer-contact h4 {
  color: var(--white);
  font-size: 0.95rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.footer-links ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.75rem;
}

.footer-links li {
  margin: 0;
}

.footer-links a {
  text-decoration: none;
  transition: color 0.25s ease;
}

.footer-links a:hover,
.footer-contact a:hover {
  color: var(--gold);
}

.footer-contact p {
  margin: 0.75rem 0;
  line-height: 1.75;
  font-size: 0.95rem;
}

.footer-contact a {
  text-decoration: none;
  color: var(--white-dim);
}

.footer-bottom {
  margin-top: 2.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-bottom p {
  margin: 0;
  font-size: 0.9rem;
}

.footer-bottom-right {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.managed-by {
  font-size: 0.9rem;
  color: var(--white-dim);
}

.managed-by .red-text {
  color: #ff3b3b;
  font-weight: 700;
}

.footer-social {
  display: flex;
  gap: 0.85rem;
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 50%;
  color: var(--white-dim);
  transition: all 0.25s ease;
}

.footer-social a:hover {
  color: var(--gold);
  border-color: rgba(255, 255, 255, 0.25);
  background: rgba(255, 255, 255, 0.04);
}

@media (max-width: 900px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  footer {
    padding: 3rem 4vw;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* ── SCROLL REVEAL (OPTIMIZED) ── */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease-out, transform 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.reveal.visible    { opacity: 1; transform: translateY(0); }
.reveal-delay-1    { transition-delay: 0.08s; }
.reveal-delay-2    { transition-delay: 0.16s; }
.reveal-delay-3    { transition-delay: 0.24s; }
.reveal-delay-4    { transition-delay: 0.32s; }

[data-tilt] {
  will-change: auto;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation: none !important;
    transition-duration: 0.01ms !important;
    transition-delay: 0ms !important;
  }

  .reveal,
  .reveal.visible,
  .hero-badge,
  h1,
  .hero-sub,
  .hero-btns,
  .hero-lead-card {
    opacity: 1;
    transform: none;
    filter: none;
  }
}

/* ── COUNT UP ── */
.count-up { display: inline-block; }

/* ── RESPONSIVE ── */
.services-tag {
  display: inline-block;
}

/* ── LIGHTWEIGHT ANIMATIONS ── */

/* Icon entrance swing animation */
.service-icon {
  will-change: transform;
}

.reveal .service-icon {
  animation: iconSwing 0.6s cubic-bezier(0.34, 1.56, 0.64, 1) 0.2s both;
}

@keyframes iconSwing {
  0% { 
    transform: rotate(-15deg) scale(0.8) translateY(-10px);
    opacity: 0;
  }
  50% { transform: rotate(8deg) scale(1); }
  100% { 
    transform: rotate(0) scale(1) translateY(0);
    opacity: 1;
  }
}

/* Enhanced link hover effect */
.nav-links a {
  position: relative;
}

.nav-links a:hover {
  color: var(--gold);
}

/* Text color transition animation */
.section-tag {
  position: relative;
  display: inline-block;
  background: linear-gradient(90deg, var(--gold) 0%, var(--accent) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  transition: background 0.4s ease;
}

.section-tag:hover {
  background: linear-gradient(90deg, var(--accent) 0%, var(--gold) 100%);
  -webkit-background-clip: text;
  background-clip: text;
}

/* Smooth button glow effect */
.btn-primary,
.btn-secondary,
.hero-form-btn {
  position: relative;
  overflow: hidden;
  transition: all 0.3s ease;
}

.btn-primary:hover,
.btn-secondary:hover,
.hero-form-btn:hover {
  filter: brightness(1.1);
  transform: translateY(-2px);
}

/* Card stagger animation on reveal */
.reveal:nth-child(1) { animation-delay: 0s; }
.reveal:nth-child(2) { animation-delay: 0.1s; }
.reveal:nth-child(3) { animation-delay: 0.2s; }
.reveal:nth-child(4) { animation-delay: 0.3s; }
.reveal:nth-child(5) { animation-delay: 0.4s; }

/* Smooth heading color transition */
h2, h3 {
  transition: color 0.3s ease;
}

/* ── EMI CALCULATOR ── */
#emi-calculator {
  background: var(--dark);
  position: relative;
}

.emi-header {
  text-align: center;
  margin-bottom: 4rem;
}
.emi-header p {
  color: var(--white-dim);
  max-width: 600px;
  margin: 0.8rem auto 0;
}

.emi-container {
  width: 100%;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 3rem;
  align-items: stretch;
  background: var(--dark-2);
  border: 1px solid rgba(0, 48, 135, 0.12);
  border-radius: 24px;
  padding: 2.5rem;
  box-shadow: 0 18px 40px rgba(9, 31, 72, 0.08);
}

.emi-sliders {
  margin-bottom: 0;
}

.emi-box {
  background: rgba(255,255,255,0.7);
  border: 1px solid rgba(0, 48, 135, 0.08);
  border-radius: 12px;
  padding: 1.5rem;
  margin-bottom: 1.5rem;
}

.emi-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1rem;
}

.emi-label-row label {
  font-weight: 700;
  color: var(--white);
  font-size: 1.05rem;
}

.emi-input-wrap {
  display: flex;
  align-items: stretch;
  background: #fff;
  border: 1px solid rgba(0, 48, 135, 0.2);
  border-radius: 6px;
  overflow: hidden;
  width: 180px;
}
.emi-input-wrap span {
  background: rgba(0, 48, 135, 0.05);
  padding: 0.5rem 0.8rem;
  font-weight: 600;
  color: var(--white-dim);
  display: flex;
  align-items: center;
}
.emi-percent, .emi-mo {
  border-left: 1px solid rgba(0, 48, 135, 0.1);
}
.emi-rupee { border-right: 1px solid rgba(0, 48, 135, 0.1); border-left: none !important; }

.emi-input-wrap input {
  flex: 1;
  border: none;
  padding: 0.5rem 0.6rem;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--white);
  width: 100%;
}
.emi-input-wrap input:focus {
  outline: none !important;
  box-shadow: none !important;
}

input[type=range] {
  appearance: none;
  -webkit-appearance: none;
  width: 100%;
  background: transparent;
  margin: 10px 0;
  cursor: pointer;
  --fill-percent: 50%;
}
input[type=range]:focus { outline: none; }
input[type=range]::-webkit-slider-runnable-track {
  width: 100%;
  height: 8px;
  cursor: pointer;
  background: linear-gradient(to right, var(--gold) 0%, var(--gold) var(--fill-percent), var(--dark-4) var(--fill-percent), var(--dark-4) 100%);
  border-radius: 8px;
}
input[type=range]::-webkit-slider-thumb {
  height: 22px;
  width: 22px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  margin-top: -7px;
  box-shadow: 0 2px 6px rgba(0, 48, 135, 0.3);
  border: 4px solid #fff;
  transition: transform 0.2s;
}
input[type=range]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.emi-range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 0.8rem;
  font-size: 0.75rem;
  color: rgba(9, 31, 72, 0.6);
  font-weight: 600;
}

.emi-results {
  background: rgba(255,255,255,0.7);
  border: 1px solid rgba(0, 48, 135, 0.08);
  border-radius: 12px;
  padding: 2rem;
}
.emi-results-title {
  font-weight: 700;
  margin-bottom: 2rem;
  font-size: 1.1rem;
}
.emi-results-grid {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  align-items: center;
}

.emi-chart-box {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-direction: column;
  text-align: center;
}
.emi-pie-chart {
  width: 160px;
  height: 160px;
  border-radius: 50%;
  background: conic-gradient(var(--gold) 0deg 58deg, var(--accent) 58deg 360deg);
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  box-shadow: 0 4px 12px rgba(0,0,0,0.06);
}
.emi-pie-hole {
  width: 60%;
  height: 60%;
  background: #fff;
  border-radius: 50%;
  position: absolute;
}
.emi-pie-labels-in {
  position: absolute;
  width: 100%;
  height: 100%;
  pointer-events: none;
}
.emi-pie-pi, .emi-pie-ti {
  color: #fff;
  font-size: 0.75rem;
  font-weight: 700;
  position: absolute;
  text-shadow: 0 1px 2px rgba(0,0,0,0.4);
}
/* Fixed pos relative to the screenshot approx */
.emi-pie-pi {
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
}
.emi-pie-ti {
  top: 25px;
  right: 20px;
}

.emi-chart-legend {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--white-dim);
}
.emi-chart-legend .legend-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.6rem;
}
.legend-item .dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
}
.legend-item .p-dot { background: var(--gold-light); }
.legend-item .i-dot { background: var(--gold); }

.emi-details-box {
  display: flex;
  flex-direction: column;
  width: 100%;
}
.emi-detail-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.emi-detail-row span {
  font-size: 0.95rem;
  color: var(--white-dim);
  font-weight: 600;
}
.emi-detail-row span small {
  font-size: 0.75rem;
  font-weight: 500;
  color: rgba(9, 31, 72, 0.5);
}
.emi-detail-row strong {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--gold);
}
.emi-detail-row strong.dark-val {
  color: var(--white);
}
.emi-detail-divider {
  height: 1px;
  background: rgba(0, 48, 135, 0.1);
  margin: 1.2rem 0;
  border-bottom: 2px dotted rgba(0, 48, 135, 0.2);
}

/* Input focus glow */
input:focus,
select:focus,
textarea:focus {
  box-shadow: 0 0 0 3px rgba(0, 48, 135, 0.15), 0 0 12px rgba(0, 48, 135, 0.25);
  border-color: rgba(0, 48, 135, 0.35);
  transition: all 0.2s ease;
}

/* Smooth text reveal on heading */
h1, h2, h3 {
  letter-spacing: -0.02em;
}

h1:hover, h2:hover, h3:hover {
  letter-spacing: -0.01em;
  transition: letter-spacing 0.3s ease;
}

@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-metrics-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-lead-card { width: min(390px, 78%); }
}

@media (max-width: 900px) {
  #hero               { grid-template-columns: 1fr; gap: 2.5rem; padding-bottom: 4rem; }
  .home-page .hero-bg { background-position: 62% center; }
  .hero-content       { max-width: 680px; }
  .hero-lead-card     { width: min(430px, 100%); margin-left: 0; }
  #why                { grid-template-columns: 1fr; gap: 3rem; }
  .process-steps      { grid-template-columns: 1fr; }
  .process-steps::before { display: none; }
  .support-inner      { grid-template-columns: 1fr; gap: 2.5rem; }
  
  .hamburger {
    display: block;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--white);
    margin-left: 1rem;
    order: 3;
  }
  .nav-phone {
    margin-left: auto;
    order: 2;
  }
  .logo { order: 1; }
  
  .nav-links {
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    background: rgba(255, 255, 255, 0.98);
    flex-direction: column;
    padding: 1rem 0;
    box-shadow: 0 10px 20px rgba(0,0,0,0.1);
    transform: translateY(-20px);
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
    border-top: 1px solid rgba(0,0,0,0.05);
  }
  .nav-links.active {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }
  .nav-links li {
    width: 100%;
    text-align: center;
    padding: 0.5rem 0;
  }
  .dropdown-menu {
    display: none;
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    background: transparent;
  }
  .nav-dropdown.active .dropdown-menu {
    display: block;
  }
  .dropdown-menu a {
    text-align: center;
    padding: 0.5rem 0;
  }

  .hero-lead-form     { grid-template-columns: 1fr 1fr; }
  .hero-metrics-grid  { grid-template-columns: repeat(2, 1fr); }
  .services-grid      { grid-template-columns: repeat(2, 1fr); }
  .emi-container      { grid-template-columns: 1fr; gap: 2.5rem; }
}

@media (max-width: 600px) {
  nav             { padding: 1rem 5vw; }
  section         { padding: 4rem 5vw; }
  #hero           { min-height: auto; padding: 6rem 5vw 3.5rem; }
  .home-page .hero-bg {
    background:
      linear-gradient(180deg, rgba(255, 255, 255, 0.92) 0%, rgba(255, 255, 255, 0.84) 54%, rgba(255, 255, 255, 0.65) 100%),
      url('Banners/B1.png') 58% center / cover no-repeat;
  }
  .hero-badge     { margin-bottom: 1rem; font-size: 0.68rem; }
  /* Smaller h1 for long service-page titles on mobile */
  h1              { font-size: clamp(1.6rem, 6vw, 2.4rem); line-height: 1.15; }
  .hero-subtitle  { font-size: 1.2rem; }
  h2              { font-size: clamp(1.5rem, 5.5vw, 2.2rem); }

  /* Hero features */
  .hero-features  { grid-template-columns: repeat(3, 1fr); gap: 0.75rem; margin: 1.2rem 0; }
  .hero-feature span { width: 44px; height: 44px; font-size: 1.2rem; }
  .hero-feature:not(:last-child)::after { display: none; }

  /* Hero metrics */
  #hero-metrics   { padding: 0 5vw 2rem; margin-top: 1.5rem; }

  /* Lead card */
  .hero-lead-card { padding: 1.2rem 1rem; border-radius: 14px; width: 100%; margin-left: 0; }
  .hero-lead-card h3 { font-size: 1.2rem; }

  /* Form inputs — 44px minimum touch target */
  .hero-lead-form input,
  .hero-lead-form select {
    padding: 0.85rem 0.9rem;
    min-height: 44px;
    font-size: 0.95rem;
  }
  .hero-form-btn  { padding: 0.95rem 1rem; min-height: 48px; font-size: 0.9rem; }

  /* Grids */
  .hero-metrics-grid  { grid-template-columns: repeat(2, 1fr); }
  .hero-lead-form     { grid-template-columns: 1fr; }
  .services-grid      { grid-template-columns: 1fr; }

  /* CTA buttons — full width stack on mobile */
  .hero-btns          { flex-direction: column; gap: 0.75rem; }
  .hero-btns .btn-primary,
  .hero-btns .btn-secondary { display: block; text-align: center; width: 100%; }

  .cta-btns           { flex-direction: column; align-items: stretch; gap: 0.75rem; }
  .cta-btns .btn-primary,
  .cta-btns .btn-ghost { display: block; text-align: center; width: 100%; }

  /* Support features — 1 column */
  .support-features   { grid-template-columns: 1fr; }

  /* EMI calculator */
  .emi-container  { padding: 1.5rem 1rem; }
  .emi-box        { padding: 1rem; }
  .emi-input-wrap { width: 120px; }
  .emi-label-row label { font-size: 0.9rem; }
  .emi-range-labels    { font-size: 0.65rem; }
  .emi-detail-row strong { font-size: 1.1rem; }

  /* Who grid */
  .who-grid       { grid-template-columns: 1fr; }

  /* Process steps */
  .process-step   { padding: 1.5rem; }
}

/* Nav phone — hide number text on very small screens, keep icon */
@media (max-width: 480px) {
  .nav-phone span:not(i),
  .nav-phone {
    font-size: 0;
    letter-spacing: 0;
  }
  .nav-phone i {
    font-size: 1.1rem;
    width: 36px;
    height: 36px;
  }
}

/* ── SINGLE COLUMN FORM OVERRIDE ── */
.appt-form {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}